Variable rate adjusted from time to time. Interest on all certificates accrues daily. A statement is provided each quarter reflecting the principal of each certificate. Investment certificates are unsecured general debt obligations of The Free Methodist Foundation. Investment is subject to risks, which are described in our Offering Circular, including: no sinking fund, no trust indenture, no FMCUSA guarantee, not FDIC or SIPC insured, not bank deposits or bank obligations, no public market, reinvestment rates may change, loans may be secured by special purpose property, borrowers may be dependent on contributions for loan repayment. This is not an offer to sell you our securities and we are not soliciting you to buy our securities. The offer is made solely by the Offering Circular. We will offer and sell our securities only in states where authorized.